Travel Insurance? Which one should I get?

There are many travel insurance providers in the Kenyan market. They each present great packages that can help you feel safe before you start your globe-trotting adventure. While there are many providers, only a few insurance companies can offer you real value for your money.
There are many travel insurance providers in the Kenyan market. They each present great packages that can help you feel safe before you start your globe-trotting adventure. While there are many providers, only a few insurance companies can offer you real value for your money.

We all want to travel and experience the world. Yet, not many people travel as much in their lifetimes. While travel sounds enjoyable, it can quickly turn grim. Going out into a new environment can expose you to many unknown risks.

Travel insurance helps you navigate any risks you encounter during travel. You could fall sick or get into an accident, while miles away from home. With an insurance policy, you get assistance to acquire treatment in that country or an airlift back home.

Overview on International Travel Insurance in Kenya

There are many travel insurance providers in the Kenyan market. They each present great packages that can help you feel safe before you start your globe-trotting adventure. While there are many providers, only a few insurance companies can offer you real value for your money.

Top insurance providers in the Kenyan market include Britam, ICEA Lion and Jubilee. A complete guide and what each offers and their terms.

HF Group

The HF group offers great insurance policies, and travel insurance is one of their coverage areas. Their cover helps you in all kinds of travel incidences. They also keep you covered even when the insurance wears out while you are still traveling.

Their services are ideal for solo travelers. HF group insurance ensures that you travel and stay safe. Here are some perks of using their insurance.

Coverage

HF insurance covers the following areas.

  • Medical emergencies with set limits
  • Permanent disability or accidental death up to a set amount
  • Trip suspension due to airline’s fault, tour operator, or cruise line
  • Trade samples, baggage, personal effects, travel documents, and money cards
  • Medical expense

Pros

  • Medical evacuations, medical recommendations, and requests are required
  • A 24/7 medical assistance hotline
  • Cover suitable for the group, family, or individual

ICEA Lion

ICEA lion offers a travel insurance package. It is known in the insurance world.  Their cover comes loaded than many packages. Additionally, ICEA medical cover allows a traveler to seek treatment while abroad. The insured can get emergency evacuation services if needed. It will also cater to more treatment expenses if they need further treatment in Kenya.

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ICEA also cares for the traveler allowing a family member or close relative to travel and check on them. An all-expenses-paid trip so they can accompany you after an illness. They cater to the repatriation of mortal remains. Additionally, the cover includes burial expenses if the insured dies while abroad.

Insured also can get an emergency trip home if an immediate family member dies while they are away.

ICEA LION travel insurance

More features

  • Loss of baggage
  • Emergency dental care
  • Loss of passport while abroad
  • Last-minute flight cancellation
  • Hijack
  • Bail bond

Insurance also offers an extra minimal charge for terrorist coverage. It protects the traveler from acts of terrorism.

Pros

  • Extensive medical coverage
  • Evacuation services
  • Help in case of loss of luggage and travel documents

Britam

Britam offers travel insurance services. You can download the application form online to start the application. It is a simple yet efficient cover for travelers.

Britam offers four insurance plans. They have student, Schengen, gold, and premium plans. Notably, the student is the cheapest plan, with a minimum payment of $10,000.

What you get

  • Trip interruption or cancellation
  • Lost baggage
  • Delays
  • Medical assistance
  • Medical coverage and medical evacuation
  • Evacuation insurance

When you make a claim, they will evaluate your claims. If they find it legitimate, you get a reimbursement.

Pros

  • Varied plans to serve different types of needs

UAP Old Mutual Travel Insurance

UAP old mutual is one of the cheapest travel insurance in Kenya. The insurance cover will work for any place in the world you choose to travel. It covers you both in and out of Kenya.

Their covers come in various forms. Travelers can purchase a cover for a single trip or annually for people who travel more.

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Here are the things UAP’s old mutual travel insurance includes.

  • Personal accident cover works in the event of death or total disability after an accident. It covers medical costs under the medical section.
  • Journey cancellation cover
  • Personal liability in the event someone causes accidental death, illness, or bodily injury.
  • Travel expenses back home in the event of an illness
  • Covers the pandemic

Pros

  • Offers Kenya travel insurance Covid-19
  • Affordable rates
  • Covers a range of risks
  • Available while traveling in and out of Kenya

Standard Chartered

The Standard Chartered bank offers travel insurance underwritten by the Sanlam Insurance agency. You can get Schengen, Incoming, Leisure, and business administrative packages. Travel insurance for Schengen Visa Kenya is the lowest package paying up to $80,000 for medical emergencies and related expenses.

You can get Schengen, Incoming, Leisure, and business administrative packages

Benefits

  • Medical expenses
  • Medical emergency and evacuation
  • International journey cancellation
  • Accidental death
  • Personal liability
  • Legal expenses

Pros

  • Convenient
  • Tailored to particular needs
  • Comprehensive cover
  • Cancellation and delays

The higher packages (business and leisure) have more to offer with a capped maximum payout of $500,000.

Jubilee Travel Insurance

Jubilee insurance offers affordable travel insurance in Kenya. It is perfect for whichever reason you want to use it while traveling. They have different plans that cover you in the following areas.

  • Zero out of pocket costs
  • Comprehensive medical coverage for a cost of up to sh5Million
  • 24/7 emergency assistance from anywhere in the world
  • Suitable for trips of about 180 days
  • Couple and family cover

Benefits

  • Affordable
  • Pay per trip
  • Covers you in case of a medical emergency
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FAQs

You may have questions about travel insurance and whether you need it. Below are some frequently asked questions about travel insurance in Kenya.

Do you need travel insurance for Kenya?

Yes. Traveling to Kenya requires travel insurance. Anything can go wrong. You may get into an accident or fall sick while on your trip. Adequate travel insurance makes you feel safe away from home. Also, it allows you time to relax and enjoy your experience.

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What are the three types of travel insurance?

There are three types of travel insurance. Medical, trip cancellation, and baggage and personal items loss are the most common types. Most insurance coverage providers will offer them in one package.

How much does travel insurance cost for a trip?

Travel insurance usually costs anywhere between 5%-10% of your trip. If the trip costs sh5million, the insurance will range between sh25000 to 50000. Some of the most generous insurance policies can cost more due to the terms. Consequently, they do not come cheap.

What is not covered by travel insurance?

Most travel insurance policies do not cover accidents during sports like paragliding and bungee jumping, hell-skiing, and skydiving. Other reasons not covered include riots, wars, and civil disorder. Some insurance companies can have you pay extra for any of the uncovered risks.

Verdict

Planning to travel to Kenya or internationally? Pick any of the above insurance companies as your travel partners. They will have your back during trying times and ensure your safety. Compare their terms before settling for one that serves you best.

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